frequent questions
glossary
What is a basic bank account?
Access to the credit intermediary activity
List of authorised credit intermediaries
How to protect yourself from online fraud?
Know your rights when making payments in Europe.
Do you know what the gross domestic product is? What about inflation? (only in Portuguese)
Key tips to protect yourself when choosing online or mobile banking services.
Access to the credit intermediary activity depends on authorisation and registration with Banco de Portugal.
However, natural and legal persons that:
already acted as credit intermediaries on 1 January 2018; and
submitted to Banco de Portugal, until 31 December 2018, the application for authorization to exercise the activity as credit intermediaries
may continue to carry out these functions until they have been notified of the Banco de Portugal's decision on the application for authorization and registration until 31 July 2019. They are, however, required to comply with all applicable legal and regulatory rules regarding to the exercise of this activity.
Credit intermediaries authorised to carry on business in Portugal are listed in two lists published by Banco de Portugal:
The list of entities authorised to act as credit intermediaries;
The list of credit institutions, financial companies, payment institutions and electronic currency institutions that provide credit intermediation or advisory services for credit agreements in which they do not act as lenders.
The list of competent authorities for authorization and supervision of credit intermediaries in the other Member States of the European Union is available here.
Decreto-Lei n.º 81-C/2017
Decreto-Lei n.º 133/2009
Aviso do Banco de Portugal n.º 6/2017
Instrução n.º 16/2017
Lista de autoridades competentes de outros Estados-Membros da UE
Intermediários de crédito - o que são
Intermediários de crédito - acesso à atividade
Brochura sobre intermediários de crédito